October Newsletter 2024
Holidays Already?
Welcome to the holiday season, or so the calendar tells us. We agree that it still feels too early to think about, but we are into November once trick or treating is over this week.
That means ads for every variety of things and the stress that goes with holiday planning and shopping.
We will also have holiday closures, so our staff can enjoy time with friends and family.
So, first things first. We will be closed for Thanksgiving and the Friday after, which fall on the 28th and 29th of November respectively. For planning’s sake, we will also be closed on Christmas and New Year’s Day, with both falling on Wednesdays in 2024.
Now, on to bigger and better things, the October Newsletter. This month, we highlight a great new benefit for Amazon Prime members, but it comes with some surprising news.
We also have a guest writer, who provides some great tips for living alone, especially for first-timers. Those of you with youngsters setting out on their own should find the article helpful indeed.
The IRS has published its inflation-adjusted tax brackets for 2025 as well, and we outline those changes.
Finally, November brings a celebration of small business, culminating in Small Business Saturday at the end of the month.
Read on for all the juicy details!
We want to wish you all a very safe Halloween this week if you are out and about. Beyond that, a happy Thanksgiving as well, since we won’t be published again until that turkey-fest passes.
We will see you back here at the end of November, stay safe, and warm…..our first snow is undoubtedly on its way.
Amazon Prime Gas Benefit
What will Amazon think of next?
You may have heard that the ubiquitous Amazon has now created a gas benefit. Unfortunately, it won’t work well for us here in Colorado. Read on for more.
For those of us that have Amazon Prime, savings of $0.10/gallon can be had at over 7,000 BP, Amoco, and AM/PM locations across the country.
From the Amazon press release: “This offer could save Prime members on average nearly $70 per year on gas if purchasing at qualifying locations.”
“Additionally, Prime members can expect even more savings on transportation-related costs in the future—in 2025, Amazon plans to add an electric vehicle charging savings offer with bp pulse, bp’s electric vehicle charging business, with more details to be revealed next year.”
To activate the $0.10 per gallon savings, visit amazon.com/fuelsavings. The offer only needs to be activated once—all customers need to enjoy these fuel savings is a Prime membership and free earnify account with bp.
Details on Earnify, and all it entails can be found here.
“Activating the offer will connect a member’s Amazon account and earnify™ account. Members can then use the free earnify™ app store locator to find the nearest bp, Amoco, or ampm gas station.”
That seems to be the good news. The bad news?
Astonishingly, there are precisely zero BP stations in our fine state, along with what seems to be zero Amoco stations and not a single AM/PM market.
Hmmm, well at least the benefit can be used in other states, as these brands are seemingly everywhere but Colorado.
For a complete list of BP locations, you can click here.
Meanwhile, here’s hoping that Amazon expands this program to some stations in our geography.
At least you can let your friends know the real scoop here in Colorado!
Living Solo
By Guest Writer Stephanie Haywood
Stepping out on your own for the first time is an exhilarating and challenging experience, filled with opportunities for growth and self-discovery. This transition requires not just adjustments to your living situation but also to your routines and responsibilities. Embracing this change with the right strategies and mindset can significantly smooth your path. It’s about finding your feet in a new phase of life, making it as enriching as it is educational. Denver Concierge offers these tips.
Mastering the Basics of Cooking
Learning to cook simple, nutritious meals is crucial when you first live alone, reducing reliance on expensive and less healthy takeout options. Start with easy recipes that use basic ingredients like pasta, rice, vegetables, and proteins. As your confidence grows, you can expand your culinary repertoire and explore more diverse dishes. Cooking at home allows you to control portions, ingredients, and costs, making it a smarter, healthier choice.
Building Connections in Your New Environment
Living on your own doesn’t have to mean feeling alone; actively building a social network is vital for a fulfilling life in a new place. Engage with others through work, school, or hobbies, and join community groups to forge meaningful connections. These relationships provide emotional support, practical help, and enrich your social life, acting as a crucial safety net in your new environment.
Staying on Top of Household Chores
Maintaining a clean home is easier with a structured cleaning schedule, assigning tasks to specific days to manage chores without stress. Regular upkeep, like vacuuming on Mondays or bathroom cleaning on Wednesdays, keeps your living space organized and pleasant. This routine not only fosters a conducive living environment but also prevents the buildup of chores that can become overwhelming. A clean home supports both comfort and productivity, enhancing your overall quality of life.
Navigating Your Rental Agreement
Thoroughly understanding your rental agreement is crucial; review all terms carefully before committing to your new home. Pay special attention to payment requirements, maintenance obligations, and the conditions for lease termination. Clear knowledge of these terms helps avoid conflicts and unexpected charges, protecting your rights as a tenant. Always clarify any doubts with your landlord to ensure mutual understanding and a smooth tenancy.
Keeping Your Important Documents Organized
Creating a system to organize crucial documents, such as insurance forms and bank statements, can drastically improve accessibility and reduce clutter. Digitizing these documents is a savvy move, enabling you to clear physical space and securely store everything from IDs to rental agreements. Should your digital files require adjustments, like changing their orientation, a PDF rotator can modify pages to portrait or landscape mode — this deserves a look. Once rotated, these documents are ready for easy downloading and sharing, ensuring you maintain both order and readiness.
Staying Organized with a Planner
Utilizing a planner, digital or physical, is key to managing your life’s logistics effectively, from appointments to bill payments. Schedule crucial tasks and reminders to keep on top of rent payments, work deadlines, and other commitments. Regularly updating your planner helps avoid late fees and missed deadlines, keeping your daily life orderly and predictable. This simple organizational tool is essential for maintaining control over your activities and responsibilities.
Preparing for Unexpected Events
It’s wise to prepare for emergencies, from health crises to unexpected home repairs. Know the location of essential services like hospitals and have your insurance details accessible for quick action during medical emergencies. For financial security, maintain a savings buffer to support yourself in scenarios like job loss. Proactively managing these plans ensures you can respond swiftly and effectively to life’s unpredictable challenges.
Managing Your Finances with a Budget
Setting a budget is crucial when living on your own, ensuring you can comfortably cover all expenses. List your fixed monthly costs, such as rent and utilities, and estimate variable expenses like groceries and leisure activities. Include savings in your budget to build financial security over time. A well-planned budget keeps your finances under control, helping you cut unnecessary expenses and save for future goals.
Living independently for the first time is a profound learning curve that shapes your future self-sufficiency. Each challenge faced and overcome adds to your reservoir of life skills, boosting your confidence and competence. As you navigate this journey, remember that the effort you put into organizing and adapting to your new life pays dividends in comfort and stability. Ultimately, this experience lays the foundation for a fulfilling, well-managed life ahead.
For friendly, professional house cleaning service, contact Denver Concierge today!
New IRS Tax Brackets 2025
This week, the Internal Revenue Service published its annual inflation adjustments for tax year 2025.
Each fall, the IRS issues changes to both tax brackets and the standard deduction. We have seen more significant changes in past years due to the high rate of inflation following the pandemic. 2025 will represent the smallest change in several years, however.
For tax year 2023, the adjustment to the income thresholds was 7%, for tax year 2024, it was 5.4%, and for tax year 2025, it is approximately 2.8%.
The updated marginal rates for tax year 2025 are as follows:
- 10% for incomes $11,925 or less ($23,850 or less for married couples filing jointly).
- 12% for incomes over $11,925 ($23,850 for married couples filing jointly).
- 22% for incomes over $48,475 ($96,950 for married couples filing jointly).
- 24% for incomes over $103,350 ($206,700 for married couples filing jointly).
- 32% for incomes over $197,300 ($394,600 for married couples filing jointly).
- 35% for incomes over $250,525 ($501,050 for married couples filing jointly).
- 37% for incomes over $626,350 ($751,600 for married couples filing jointly).
Additionally, the standard deduction for single taxpayers and married individuals filing separately will rise to $15,000. For married couples filing jointly, it will be $30,000. For heads of households, the standard deduction will be $22,500.
Good news, we suppose, except for the inflationary effect overall. The complete update from IRS.Gov can be found here.
Celebrating Small Businesses
Each year, American Express sponsors Small Business Saturday.
Celebrated on the first Saturday after Thanksgiving, the initiative was started by American Express back in 2010 as a way to promote small businesses.
Small businesses, like ours, are the backbone of the economy.
Some 2023 facts, from the SBA Office of Advocacy:
- Most businesses are small- 99.9% of American businesses.
- There are 33,185,550 small businesses in the United States.
- Small businesses employ 61.7 million Americans, totaling 46.4% of private sector employees.
- From 1995 to 2021, small businesses created 17.3 million net new jobs, accounting for 62.7% of net jobs created since 1995.
- Small businesses pay 39.4% percent of private sector payroll.
- Small businesses generate 32.6% percent of known export value.
- About 38% of small businesses use specialized software in their business operations.
This year, Small Business Saturday falls on November 30. We encourage you to support the local businesses that contribute to our economy.
We hope you join us in “shopping small” this holiday season, and we thank you for allowing our small business to serve you.
Monthly Award Winners
Our monthly award winners for September were Guadalupe Caloca, Rosario De La Rosa, Haydee Espinoza, Nimia Espinoza, and Josefina Quinonez.
In the Team Leader ranks, it was Socorro Ibarra and Natalia Olivas.
We are so proud of our winners, and of all the ladies that are in and out of your homes each week.
We are also very appreciative to be a part of your lives and your homes. You provide the platform for our teams to perform, and for that we are grateful.
Please join me in congratulating our best performers for the month of September.
Queen Bee Corner
by Angela
Most homeowners enjoy living in a house with appealing decor and well-appointed furnishings. What they don’t enjoy is the necessary upkeep, especially the cleaning.
Manufacturers of household cleaning products play on this, and would have us believe that using their brands will guarantee maximum results with minimum time and effort, a brief interlude in an otherwise busy day.
On the contrary it is our contention at Denver Concierge that a proper clean goes far beyond the cleaning solutions themselves.
Before touted miracle aerosols and mops and cloths housecleaning was a physical chore, and it still is. As the old saying goes, “elbow grease is the best polish!
A house may be pleasing to the eye but if the hard to reach out of sight nooks and crannies are not cleaned regularly they can create a health hazard; a hotbed for dust mites, allergens and mold.
Our ladies are professionals whose amazing results are proof that cleaning knowhow trumps fancy sprays any day. We supply our workers with simple tried and true cleaning solutions that ensure their health and safety and the health and safety of the home’s residents.
Much of success boils down to a simple maxim: Do the real thing and stop trying fake alternatives, which we do every day.
Bee